On the surface, all is quiet. Since the first week of April, the 10-year Treasury note has not traded above 2.05 percent or below 1.93 percent. It’s 1.95 percent this morning. Thrill-a-minute.

Low-fee mortgages have been 4 percent for three weeks (depending on down payment and credit). The Dow has had 100-point days, but is just yo-yo-ing below the 13,200 top.

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